Home Car insurance Car insurance calculator Liability coverage car insurance calculator Liability coverage car insurance calculator Use the insure.com liability coverage calculator to estimate liability insurance costs in your state. Written by: Laura Longero Laura Longero Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media. | Reviewed by: Nupur Gambhir Nupur Gambhir Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service. | Updated on September 1, 2023 Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. How much liability insurance you need depends on the value of your car, your driving record, your assets and your state’s car insurance requirements. Liability coverage is designed to protect you financially if you are found at fault in an accident. The national average cost of liability coverage is $637 annually for a limit of 50/100/50. But it’s important to note that liability limits of 50/100/50 are still quite low, so if you have significant financial assets, consider a policy with limits of 100/300/100. Liability coverage car insurance calculator by Make & Model Liability coverage car insurance calculator Select Year Select Year20192018201720162015201420132012201120102009200820072006 Vehicle Make Select Make Vehicle Model Select Model State Select StateNationwideAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming Reset Matching results for your car Filter Add Car Year Select20192018201720162015201420132012201120102009200820072006 State Select Nationwide Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Liability Coverage Select Low to High High to Low Reset Apply Add a vehicle to Compare!!! Let"s start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don"t have a DUI. Don"t need an SR22. Number of vehicles - + *While most states require a minimum of 100/300/50 car insurance coverage, we recommend getting a coverage limit of 100/300/100 so that you are fully financially protected. Check out rates for full coverage car insurance here. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles 2006 to 2019. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. The rate also includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Our liability coverage estimator provides insights into car insurance costs based on the make and model of your vehicle, helping you understand the potential expenses associated with insuring your specific automobile. Liability car insurance is typically broken down into two parts — bodily injury liability and property damage liability. Bodily injury liability covers medical expenses and lost wages if the other person in the accident is injured. Property damage liability covers damages to the other person’s property from an accident. Use our calculator & learn how to calculate liability insurance & understand how much liability insurance costs in your state for 50/100/50 coverage. Estimate liability coverage car insurance rates by state The average rate for liability coverage car insurance varies widely by state. Drivers in states like Maine and Ohio pay less than $500 per year for the limit 50/100/50, while the liability insurance rate in New Jersey is $1,120 a year for the same coverage, according to Insure.com data. How much you pay depends on a number of factors, such as your driving record and your vehicle’s make and model. But understanding the average rate in your state can give you a good starting point for estimating your own rates. Liability-only coverage is the most basic type of insurance, and it can be an attractive option if you’re on a tight budget. But if you are in an accident and your car is damaged, you will have to pay out of pocket to repair it. For these reasons, it is generally recommended that drivers should purchase 100/300/100 auto insurance limits for added protection. The table below shows each state’s average annual auto insurance liability coverage rates for the limit 50/100/50. StateAverage annual premium Alaska$414Alabama$585Arkansas$510Arizona$697California$864Colorado$726Connecticut$849Washington D.C.$663Delaware$999Florida$1,586Georgia$736Hawaii$519Iowa$318Idaho$386Illinois$530Indiana$442Kansas$412Kentucky$927Louisiana$1,260Massachusetts$660Maryland$648Maine$335Michigan$755Minnesota$511Missouri$586Mississippi$583Montana$525North Carolina$435North Dakota$353Nebraska$383New Hampshire$441New Jersey$1,120New Mexico$546Nevada$1,009New York$960Ohio$365Oklahoma$545Oregon$594Pennsylvania$501Rhode Island$782South Carolina$793South Dakota$289Tennessee$445Texas$659Utah$645Virginia$489Vermont$334Washington$664Wisconsin$419West Virginia$530Wyoming$331 When it comes to car insurance, liability coverage is the minimum that is required by most states. It provides some financial protection if you’re ever involved in an accident that causes property damage or injuries to another person. Looking to simplify insurance cost estimation? Try our calculators: Monthly car insurance calculator Full coverage car insurance calculator State minimum car insurance calculator Blood alcohol content (BAC) calculator Car insurance calculator for adults Car insurance calculator for young adults Car insurance calculator for teens Car insurance calculator for seniors California car insurance calculator Texas car insurance calculator Auto Insurance Advisor Find ratings for top insurance companies Average insurance rates for your 2022 Buying and insuring a used car: Most and least expensive models to insure in 202... 1/1 Methodology: Insure.com commissioned Quadrant Information Services in 2022 to find out rates in every state for liability-only coverage with limits of 50/100/50. Rates are based on the profile of a 40-year-old male driver with a clean record driving a 2021 Honda Accord. Sources: Insurance Information Institute. “Auto Insurance Basics: Understanding Your Coverage.” Accessed October 2022. Progressive “ How much car insurance do you need.” Accessed October 2022. Laura LongeroExecutive Editor | . .Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media. In case you missed it Best Car Insurance Companies of 2023 Car insurance rates by state: The most expensive and cheapest states for car ins... What is Full Coverage Car Insurance? How much does car insurance cost for seniors? 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